1
                                                                    Exhibit 23.1

                         INDEPENDENT AUDITORS' CONSENT

Charter One Financial, Inc.

We consent to the incorporation by reference in this Post-Effective Amendment
No. 1 on Form S-8 to Registration Statement No. 33-61273 of Charter One
Financial, Inc. on Form S-4 of our report dated January 25, 1995 (which
expresses an unqualified opinion and includes an explanatory paragraph relating
to the change in method of accounting for debt and equity securities in 1994
and for income taxes in 1993), incorporated by reference in the Annual Report
on Form 10-K of Charter One Financial, Inc. for the year ended December 31,
1994.


/s/Deloitte & Touche LLP
Cleveland, Ohio

October 30, 1995